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以“替代性纠纷解决方式”且通过专门的争议解决机构处理保险争议是国际上化解保险活动当事人之间矛盾和管控保险纠纷的优选方法。保险消费纠纷的专业性呼唤针对性的解决机制。两大法系国家保险消费纠纷解决机制的探索，对我国保险消费争议处理机制的建立具有借鉴价值。考虑保险消费纠纷的特性，结合现行法律框架下的程序机制，探索整合性、独立、专业化和权威的替代性纠纷解决途径，建立保险消费纠纷解决专门法，保护保险消费者的权益，促进保险业的健康发展。“,”It is the preferred method to deal with the insurance dispute through international ADR and a special body .Specialty calls for the targeted settlement mechanism of the insurance dispute .There is enlightenment through study of the practice and theory among countries of Civil Law and Common Law .It is useful for pro‐tecting the interest of insurance consumer and the development of insurance industry by system of ADR .